American Credit Systems
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    To serve you most efficiently and being mindful of your time, you can  get all the information you need entirely on this page, or alternatively you can schedule a call with a representative and we would be more than happy to speak with you. 
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Let's Take a Look at a Soft Credit Report

We will deliver the exact same information that is on a hard pull, it is just a soft pull. The difference is not on the data provided. The difference is in the intent of the applicant. 

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Consumer Initiated Consent

Verbal 

It seems to me that a view of the heavenly bodies through a fine telescope, as well as a tour round the world.

Online

Though the gravity still dragged at him, his muscles were making great efforts to adjust. After the daily classes.

Traditional Paper Application

Truly it was a great journey, and in it I met with many, whom to know was to love; but whom never could I see again.

Pulling  Credit 
Screen Casts

It seems to me that a view of the heavenly bodies through a fine telescope, as well as a tour round the world, should form a part of a liberal education.

How to Pull Credit With iSoftpull

The Main Reasons Our Customers Use Us

  • They want to know if their prospect is a suitable candidate at the beginning of their sales cycle
  • They want to pull their customers credit without asking for their customer's social security number or date of birth. 
  • They want to know their customer
  • They want to save time and money on unqualified prospects. 
  • They are tired of spending tons of money on hard pulls and other relatable expenses on people who do not qualify. 

How Can We Pull Credit With a Names and Address Only?

Using your customer's name and address only, we can deliver you your customer's full credit report and FICO score. There are sometimes, however, where you may need your customer's date of birth or social security number. This typically happens when you are dealing with a junior/senior situation, for example when two generations of people live in the same house and have the same name.  Also, you may need to get your customer's date of birth or social security number if the address they provide you is not listed on . their credit report yet. For example, if they gave you the address of their new apartment and that apartment is not associated with any account that is listed on their credit report, then we will need more information. 

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It All Starts with Your Customer's Consent
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Verbal Consent

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Online Applications

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In Person/Hand Written

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How to get started

Step One: Process Onsite Inspection Payment

In order to gain access to consumer reports, there are necessary restrictions to prevent unauthorized people from obtaining anyone’s identity. Institutions and individuals must follow federally mandated procedures (outlined in the FCRA), which include a Physical OnSite Inspection. These inspections document the permissible purpose claimed in the application, and ensure that offices handling consumer reports are properly secure, with appropriate locks and destruction materials on hand. Each additional location beyond the first be be charged $60 for an Onsite Inspection.

Step Two: Submit Onboarding Information 

After you purchase your Onsite Inspection, you will submit your Business/NMLS license (if applicable) and complete your subscriber agreement. Subsequent to completion of your subscriber agreement we will schedule your Onsite Inspection.  

Step Three: Start Pulling Credit

As soon as we get your Onsite Inspection results back we will email your users their login credentials. The Onsite Inspection is not a difficult . 

​Platform Screencasts

Website Integrations

It seems to me that a view of the heavenly bodies through a fine telescope, as well as a tour round the world, should form a part of a liberal education.

Call Center Access

It seems to me that a view of the heavenly bodies through a fine telescope, as well as a tour round the world, should form a part of a liberal education.

Decisioning Engine

It seems to me that a view of the heavenly bodies through a fine telescope, as well as a tour round the world, should form a part of a liberal education.

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